Milford, OH · Cert 35117
FDIC · 3 branches
Q1 2025
Market Position · Cincinnati, OH-KY-IN · 2024 SOD (annual) · 0.1% share · #24 of 57 inst. · $0.3B of $179.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.69% | 1.00% | 1.31% | 0.93% | +33 bps | |
| Return on Equity | 5.59% | 6.57% | 9.61% | 12.63% | 8.72% | +313 bps | |
| Net Interest Margin | 2.76% | 2.92% | 3.11% | 3.60% | 3.48% | +71 bps | |
| Efficiency Ratio | 73.75% | 71.79% | 62.93% | 57.08% | 65.89% | -786 bps | |
| Non-Interest Burden | 1.93% | 1.98% | 1.80% | 1.86% | 2.18% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.14% | 11.14% | 14.75% | 10.16% | 7.26% | -187 bps | |
| Loan Growth (YoY) | 14.78% | 13.60% | 11.85% | 12.41% | 8.53% | -625 bps | |
| Deposit Growth (YoY) | 18.59% | 13.79% | 11.97% | 10.86% | 11.46% | -713 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.32% | 0.00% | 0.22% | 0.52% | 0.52% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.21% | 1.20% | 1.23% | 0 bps | |
| Allowance Coverage of NPLs | 3.9x | n/a | 5.5x | 2.3x | 2.4x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.63% | 11.43% | 11.11% | 11.36% | 11.58% | -6 bps | |
| Total Risk-Based Capital | 11.63% | 11.43% | 11.11% | 11.36% | 11.58% | -6 bps | |
| Equity / Assets | 10.59% | 10.45% | 10.26% | 10.55% | 10.78% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.19% | 114.05% | 102.47% | 107.24% | 109.24% | -295 bps | |
| Liquid Assets / Assets | 0.22% | 0.28% | 0.34% | 0.26% | 0.09% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |